American Express Credit Cards

Designed for a variety of spending habits, American Express credit cards offer the prestige, perks and points you'd expect.

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American Express

Whether you’re an avid traveller, a small business owner or a big spender, American Express offer credit cards to suit a range of spending habits and lifestyles. Choose from no annual fee, travel rewards, cash back and business credit cards. Depending on the Amex card you choose, you could also receive welcome bonus points, Membership Rewards, Air Miles or Aeroplan points. American Express cards also come with a variety of complimentary extras, from purchase and travel insurance to concierge services, airport lounge passes and travel vouchers.

Compare American Express Credit Cards

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express AeroplanPlus Gold Card
N/A
N/A
$120
N/A
Earn 1 Aeroplan Mile for every $1 you spend up to a maximum of $10,000, and earn 1.25 Aeroplan Miles for every $1 spent over $10,000 per year
Earn 15,000 bonus Aeroplan Miles after spending $1,500 in the first 3 months
Business Platinum Card from American Express
N/A
N/A
$499
N/A
Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
Earn a Welcome Bonus of 35,000 Membership Rewards points when you charge $7,000 in purchases to your card in your first three months of Cardmembership.
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
American Express Business Edge Card
19.99%
21.99%
$99
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
American Express AIR MILES Gold Business Card
19.99%
21.99%
$0
N/A
Earn 1 AIR MILE for every $15 spent on eligible purchases at AIR MILES Sponsors, and earn 1 AIR MILE for every $20 spent on eligible purchases elsewhere
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
American Express AIR MILES Reserve Credit Card
20.99%
21.99%
$299
N/A
Earn 1 AIR MILE for every $10 spent on purchases at eligible stand-alone grocery stores, gas stations and drugs stores in Canada, as well as eligible AIR MILES partners, and earn 1 AIR MILE for every $15 spent on all other eligible purchases elsewhere
Earn a Welcome Bonus of 2,400 AIR MILES when you spend at least $3,000 in eligible purchases within the first three months.
American Express Business Gold Rewards Card
N/A
N/A
$250
N/A
Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
American Express AeroplanPlus Platinum Card
N/A
N/A
$499
N/A
Earn 1.25 Aeroplan Miles for every $1 spent up to the first $25,000 annual spend, and earn 1.5 Aeroplan Miles for every $1 spent over $25,000
Receive 40,000 bonus Aeroplan Miles after spending $3,000 in the first three months of card membership
American Express AIR MILES for Business Card
N/A
N/A
$180
N/A
Earn 1 AIR MILE for every $10 spent at eligible AIR MILES Sponsors and 1 AIR MILE for every $15 spent elsewhere
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express AIR MILES Gold Business Card
19.99%
21.99%
$0
N/A
Earn 1 AIR MILE for every $15 spent on eligible purchases at AIR MILES Sponsors, and earn 1 AIR MILE for every $20 spent on eligible purchases elsewhere
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
American Express AIR MILES Reserve Credit Card
20.99%
21.99%
$299
N/A
Earn 1 AIR MILE for every $10 spent on purchases at eligible stand-alone grocery stores, gas stations and drugs stores in Canada, as well as eligible AIR MILES partners, and earn 1 AIR MILE for every $15 spent on all other eligible purchases elsewhere
Earn a Welcome Bonus of 2,400 AIR MILES when you spend at least $3,000 in eligible purchases within the first three months.
American Express AIR MILES for Business Card
N/A
N/A
$180
N/A
Earn 1 AIR MILE for every $10 spent at eligible AIR MILES Sponsors and 1 AIR MILE for every $15 spent elsewhere
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express AeroplanPlus Platinum Card
N/A
N/A
$499
N/A
Earn 1.25 Aeroplan Miles for every $1 spent up to the first $25,000 annual spend, and earn 1.5 Aeroplan Miles for every $1 spent over $25,000
Receive 40,000 bonus Aeroplan Miles after spending $3,000 in the first three months of card membership
American Express AeroplanPlus Gold Card
N/A
N/A
$120
N/A
Earn 1 Aeroplan Mile for every $1 you spend up to a maximum of $10,000, and earn 1.25 Aeroplan Miles for every $1 spent over $10,000 per year
Earn 15,000 bonus Aeroplan Miles after spending $1,500 in the first 3 months
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express Business Edge Card
19.99%
21.99%
$99
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
American Express AIR MILES for Business Card
N/A
N/A
$180
N/A
Earn 1 AIR MILE for every $10 spent at eligible AIR MILES Sponsors and 1 AIR MILE for every $15 spent elsewhere
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months
Business Platinum Card from American Express
N/A
N/A
$499
N/A
Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
Earn a Welcome Bonus of 35,000 Membership Rewards points when you charge $7,000 in purchases to your card in your first three months of Cardmembership.
Marriott Bonvoy Business American Express Card
19.99%
21.99%
$150
N/A
Earn 5 Marriott Bonvoy™ points per dollar spent at participating Marriott Bonvoy™ properties, 3 points on eligible gas, dining and travel and 2 points on all other spend. Terms apply
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership. Terms apply
American Express Business Gold Rewards Card
N/A
N/A
$250
N/A
Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
American Express AIR MILES Gold Business Card
19.99%
21.99%
$0
N/A
Earn 1 AIR MILE for every $15 spent on eligible purchases at AIR MILES Sponsors, and earn 1 AIR MILE for every $20 spent on eligible purchases elsewhere
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
Business Platinum Card from American Express
N/A
N/A
$499
N/A
Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
Earn a Welcome Bonus of 35,000 Membership Rewards points when you charge $7,000 in purchases to your card in your first three months of Cardmembership.
American Express AeroplanPlus Platinum Card
N/A
N/A
$499
N/A
Earn 1.25 Aeroplan Miles for every $1 spent up to the first $25,000 annual spend, and earn 1.5 Aeroplan Miles for every $1 spent over $25,000
Receive 40,000 bonus Aeroplan Miles after spending $3,000 in the first three months of card membership
The Platinum Card from American Express
N/A
N/A
$699
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible dining in Canada, 2 Membership Rewards points for every $1 spent on eligible travel purchases as well as hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
As a new Platinum Cardmember, earn 25,000 Welcome Bonus Membership Rewards points when you charge $2,000 in purchases to your card in the first three months of Cardmembership.
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
SimplyCash Preferred Card from American Express
19.99%
21.99%
$99
N/A
Earn 2% cash back on all eligible purchases
Earn 5% cash back on all eligible purchases in your first six months (up to a maximum spend of $6,000, or $300 in cash back).
SimplyCash Card from American Express
19.99%
21.99%
$0
N/A
1.25% cash back rate on all purchases when your welcome offer ends. No cap
Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
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Compare up to 4 providers

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express AIR MILES Gold Business Card
19.99%
21.99%
$0
N/A
Earn 1 AIR MILE for every $15 spent on eligible purchases at AIR MILES Sponsors, and earn 1 AIR MILE for every $20 spent on eligible purchases elsewhere
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
SimplyCash Card from American Express
19.99%
21.99%
$0
N/A
1.25% cash back rate on all purchases when your welcome offer ends. No cap
Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
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*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Types of American Express credit cards

American Express credit cards are designed for both personal and small business use. Aside from offering regular credit cards, Amex also offers a small selection of charge cards. Charge cards have similar features and benefits to regular credit cards but require you to pay the account balance in full by the statement due date (instead of letting you carry a balance and charging interest on the unpaid balance). Here’s a summary of each of the main types of American Express credit cards you can choose from:

  • Lifestyle credit cards

Referred to as “lifestyle credit cards”, these cards come with a variety of different costs and benefits. Ranging from low monthly fees to high annual fees, American Express offer a selection of cards that provide varying perks based on your lifestyle and spending habits. Choose from platinum, gold and cobalt cards that provide membership rewards points, welcome bonus points, a host of travel insurances and shopping and dining benefits. In addition, these cards come with buyer protection and points per dollar spent. Depending on the card you choose, you can redeem your points toward flights, concerts, merchandise and more.

  • Cash back credit cards

There are a couple of cash back credit cards on offer from American Express. These credit cards offer varying cash back rates and have no limits or restrictions on the amount of cash back you can earn. In addition, these cards offer bonus cash back welcome rates, buyer protection and varying travel, dining and entertainment benefits.

  • Travel rewards credit cards

American Express offer a wide range of credit cards that are tailored toward frequent travellers or those looking to benefit from travel rewards points. Choose from a variety of Air Miles, Aeroplan and Marriott Bonvoy cards that allow you to transfer your points toward participating airline and hotel programs. Partners include Delta, Etihad and British Airways, among others. These cards range from zero or low annual fees to higher annual fees for cards with more perks and benefits. Depending on the card you choose, these cards typically come with complimentary travel insurances, airport lounge access, concierge services and bonus travel rewards points.

  • Charge credit cards

There is a small range of charge credit cards on offer from American Express. These cards usually come with annual fees, however they also typically come with competitive welcome bonus point offers, a host of complimentary travel insurances, rewards points per dollar spent and buyer protection. Depending on the card you choose, you may also have complimentary airport lounge access.

  • Business credit cards

American Express offer a range of credit cards designed specifically for businesses. These cards come with a variety of useful features and benefits, including additional cardholders to manage employee spending and tools to track your business expenditure. There are also Amex business credit cards that earn Membership Rewards, Air Miles Rewards or Marriott Bonvoy Points on business spending, as well as offering free welcome bonus points.

The benefits of banking with American Express

Here are some of the features you could enjoy if you get an American Express credit card.

  • American Express Rewards

American Express Membership Rewards points can be used for a variety of different purchases and experiences including travel, entertainment and dining, shopping and merchandise. You can also use Member Rewards to pay for concert tickets on TicketMaster. In addition, some points programs allow you to transfer points to participating airline and hotel programs including Etihad, Delta, British Airways and airlines that accept Aeroplan miles and Asia Miles.

  • American Express Internet and mobile banking

American Express has a range of cards that are compatible with mobile payment systems including Apple Pay, Google Pay and Samsung Pay, which means you can use your mobile device to make payments at the checkout. In addition, you can access your account online or via the Amex mobile app. This means you can manage your account, pay bills and request a credit limit increase or apply for another AMEX product at any time online or via the mobile app.

  • American Express complimentary extras

Amex cards come with buyer, purchase and fraud protection alongside a host of other complimentary extras. Depending on the card you choose, you may be offered travel insurance, shopping and dining perks, concierge services, airport lounge access, luxury travel benefits, car rental insurance and more.

  • American Express credit cards security

American Express protect clients from any fraudulent activities with their state-of-the-art fraud monitoring system. You will be contacted if there is a suspicious or unusual activity on your credit card account. Alternatively, if you detect fraudulent activity on your credit card, contact American Express immediately. They offer 24/7 access to customer service.

How to apply for an American Express credit card

If you’ve compared a variety of credit card providers and decided to apply for an American Express credit card, you can do so online in around 10 minutes. Before you apply, make sure you meet the eligibility requirements and have all the relevant documents on hand.

Eligibility criteria

  • How old are you? Applicants must be at least 18 years old, or the age of majority in your province or territory.
  • What is your Canadian residency status? You’ll need to be a Canadian resident with a Canadian credit file.

Information you will need for your application

If you meet the eligibility requirements, you can proceed with your application by collecting the following information:

  • Personal information. You’ll need to provide personal details including your full name, email address, phone number, residential address and a valid form of ID, such as your driver’s licence or passport number.
  • Financial and employment information. This includes your current job, your employer’s contact information or your accountant’s details if you’re self-employed. You’ll also need to provide details of your annual income. You may need to provide information about your ongoing expenses, such as rent or mortgage payments, your weekly budget, loan repayments and any existing credit card debts.
American Express offer a variety of credit cards that cater to both individuals and business owners. Whether you are a frequent traveller, a small business owner or a big spender, there are credit cards to suit different lifestyles and spending habits. Be sure to compare your options before applying for a credit card, since there are so many different products on the market.

Frequently asked questions

Do you have a question about American Express credit cards? Check the FAQs below for answers to common questions.

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